Country Financial Car Insurance

3.1 10 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Estimation Process The rest
Claim Servicing The rest
First Notice of Loss (FNOL) About average
Repair Process The rest
Overall Satisfaction The rest
Rental Experience About average
Settlement The rest
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
North Central 849 Among the best
Country Financial Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Full Star Half Star 4.9
30
Android
Full Star Full Star Full Star Full Star Half Star 4.9
16
Financial Ratings
Company Name Ratings
A.M. Best A+

Discounts

The largest discounts from Country Financial are: Good Student Discount, New Car Discount, Defensive Driver Discount

Discount Type Discount %
Good Student Discount up to 25%
New Car Discount up to 10%
Defensive Driver Discount up to 10%
Organization Discount up to 10%
Newly Engaged Discount up to 5%
Good Driver Discount Varies
Paid in full discount Varies
Driving training discount Varies
TeenSmart Discount Varies
Multiple Policy Discount Varies
Multiple Vehicle Discount Varies
Anti-Theft Device Discount Varies
Occupation Discount Varies

Payment Methods

  • Complete Tick Credit Card Payment
  • Complete Tick Online Payment
  • Complete Tick Automatic Online Payments
  • Complete Tick Phone Payment -IVR
  • Complete Tick Mail Payment
  • Complete Tick Electronic Check
  • Complete Tick Multi-payment Installment Plans
  • Complete Tick Debit Card Payments

Features and Services

Country Financial allows you to report a claim or speak to customer service 24 hours a day, 7 days a week online or over the phone. 

Country’s roadside assistance is also available 24/7 online or over the phone. 

Country Financial also offers advice and services for investments, retirement, education funding, and more. Their website includes many tools and resources for multiple life events that require financial insights. 

 

  • Online account management Online account management
  • Roadside assistance Roadside assistance
  • Mobile app Mobile app

Optional Coverage

  • Complete Tick Road Side Assistance
  • Complete Tick Glass Coverage
  • Complete Tick Tenant Rental Coverage
  • Complete Tick First Aid Reimbursement
  • Complete Tick Rental Reimbursment
  • Complete Tick Personal/Upgraded Item Coverage
  • Complete Tick Umbrella Policy
  • Complete Tick Emergency Lockout Coverage
  • Complete Tick New Car Replacement Coverage
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Sound System Coverage
  • Complete Tick Teachers Insurance

Online Quoting by State

Country Financial Insurance Products

Country Financial offers a variety of home insurance products to protect your home, apartment, condo, personal belongings, and assets from many perils.

Home insurance from Country Financial provides coverage for your: house, other structures, belongings, and liability risks.

Available coverages and discounts may vary by state, but will most likely include basic, premier, and combination coverage.

Basic Coverage: Covers specific risks in your policy for things like:

  • Fire

  • Lightning

  • Theft

  • Vandalism

  • Wind

  • Hail

  • Freezing of plumbing

  • Liability

  • Medical Coverage

Premier Coverage: Country Financial’s best coverage; covers all the specific risks included in a basic policy and protection from accidents such as:

  • Countertop burns

  • Paint spillage

  • Power surge damage to appliances

Combination Coverage: Provides basic coverage for your belongings and premier coverage for your home.

Additional home insurance coverages from Country Financial include:

  • Coverage for high value items including:

    • Jewelry, watches and furs

    • Silverware, goldware and pewterware

    • Money and other currency

    • Firearms

    • Watercraft

    • Recreational motor vehicles

  • Coverage for additional risks not included in a basic home insurance policy including:

    • Identify theft

    • Earthquake

    • Seasonal dwellings

    • Sump pump failure and/or backup of sewer or drain

    • Mine subsidence (for damage caused by underground mine collapse)

    • Loss assessments from a homeowners association

  • Flood insurance



When you have home insurance through Country Financial you have the option to choose your claim settlement.

Actual cash value provides coverage for your home at the cost to repair/replace the damaged property, including the depreciation value.


Another option is replacement cost provides coverage to repair/replace your home regardless of depreciation value. Because estimating rebuilding cost isn’t an exact science, Country Financial offers extended and additional replacement costs for up 120% of your policy limit and no policy limit respectively.

Country Financial offers term, whole, and universal life insurance policies to fit anyone’s situational needs.

Term Life Insurance: Provides high insurance coverage at a low cost for a specified length of time.

Term life coverages can last for 10, 20, or 30 years and cover up to $50,000 or $1 million.

A beneficiary is chosen to receive the death benefit if something were to happen to the policyholder. The death benefit can help pay for:

  • Mortgage

  • Your children

  • Debt and funeral expenses

  • College tuition

Additional term life coverages from Country Financial include:

  • Child Term Insurance: Provides up to $25,000 of term life insurance for all of your children age 0–17.

  • Return of Premium: Only available for 20 or 30 year term policies. Receive the base annual premiums you’ve paid if you’re still alive at the end of the policy term.

  • Waiver of Premium: If you become disabled before age 60, your policy will stay active and you won’t have to make any payments during your disability.

Whole Life Insurance: Provides lifelong protection as long as you make your premium payments. Country Financial offers 5 different payment options for their whole life insurance coverages.

Whole life insurance will benefit those who would like:

  • Consistent premiums

  • Cash value

  • Tax free death benefit

  • Loan and withdrawals

Available whole life coverages may vary by state, but will most likely include:

  • Child Term: Provides up to $25,000 of term insurance for all of your children age 0-17.

  • Term Insurance for You or Your Spouse: Adds a 10, 20 or 30-year term life policy to your whole life policy for you or your spouse.

  • Accelerated Benefit if you become terminally ill: Allows you to use up to 50% of the policy’s death benefit  while you’re living if you’re terminally ill,

  • Paid Up Additions: Provides the opportunity to purchase additional paid-up whole life insurance.

  • Guaranteed Insurability: Guarantees you the right to purchase additional whole life insurance every 3 years, regardless of your health.

  • Accidental Death Benefit: An additional amount will be paid if you die as a result of an accident before age 70.

  • Disability Waiver of Premium 260: Waives your whole life premiums for up to 2 years if you can’t work after a disability before the age of 60.

  • Disability Waiver of Premium 565: Waives your whole life premiums for up to 5 years if you can’t work after a disability before the age of 65.    

  • Long Term Care Accelerated Benefit: If you become chronically ill, this coverage will pay a monthly benefit while you need it, up to your death benefit amount.

Universal Life Insurance: Provides lifelong coverage with flexible premium and death benefit amounts.

This policy type would be a right fit if you would like:

  • Changing needs

  • Cash value

  • Loan and withdrawals

Country Financial allows you to choose one of two policy types, you death benefit amount, and the frequency of your premium payments.

Policy types include:

  • Universal Life Accumulator: Offers permanent protection and cash value that accumulates over time. Choice of an increasing or level death benefit.

  • Universal Life Protector:  Provides permanent protection at an affordable price.

Life insurance coverage options from Country Financial include:

  • Child Term: Provides up to $25,000 of term insurance for all of your children under the age of 23.

  • Life Insurance for your Spouse: Provides annual term life insurance of $25,000 or more for your spouse.

  • Automatic Increase Rider: Have the death benefit of your policy automatically increase every year.

  • Guaranteed Insurance Option: Guarantees you the right to increase your life insurance every 3 years, regardless of your health.

Waiver of Specified Premium Rider: Waive your premium if you become disabled.

Country Financial offers a variety of basic and optional auto insurance coverages that can protect more than your car. You can also find affordable coverage for your motorcycle, boat, and recreational vehicles.

Available coverages and discounts may vary by state, but will most likely include:

  • Collision

  • Comprehensive

  • Uninsured Motorists Property Damage

  • Bodily Injury Liability

  • Property Damage Liability

  • Medical Payments coverage

  • Personal Injury Protection: Covers injuries caused by the accident regardless of who was at-fault.

  • Uninsured Motorists

  • Underinsured Motorists

Optional auto insurance coverages offered by Country Financial include:

  • Roadside Assistance: Available 24/7. Covers towing and cost of labor up to $100.

  • Vehicle rental and trip interruption: Reimburses up to $800 for a rental car if your car is being repaired after a covered loss.

  • Safety glass: Waives your comprehensive deductible for glass repair/replacement

  • Personal effects: Covers damage or theft of personal belongings in your car, up to $800. Has a $100 deductible.

  • Special tenants coverage for renters: Provides you with renters insurance on your auto policy. Covers up to $20,000. Has a $250 deductible.

  • Umbrella insurance: Liability coverage up to $1 million when your auto insurance liability coverage is exceeded.

The Keeper® - New Car Coverage: Covers replacement of new cars, up to 4 more years old, for collision and comprehensive damage.

Similar to their car insurance policies, Country Financial provides coverage for motorcycles, motorized scooters, and motorized bicycles.

Country Financial has affordable motorcycle coverage because they account for seasonal usage in certain states.

Available coverages and discounts may vary by state, but will most likely include:

  • Collision

  • Comprehensive

  • Uninsured Motorists Property Damage

  • Bodily Injury Liability

  • Property Damage Liability

  • Medical Payments coverage

  • Personal Injury Protection: Covers injuries caused by the accident regardless of who was at-fault.

  • Umbrella insurance

  • Uninsured Motorists

  • Underinsured Motorists

A home insurance policy from Country Financial automatically gives you $1,500 coverage for your watercraft including boat, motors, trailers, and boating accessories.

Obviously, if your boat is worth more than $1,500 then you’d want to purchase additional coverage through your home insurance policy.

Available coverages and discounts may vary by state, but will most likely include:

  • Bodily Injury Liability

  • Property Damage Liability

  • Additional liability coverage

  • Medical coverage

  • Collision

  • Comprehensive

Country Financial allows your RV to be covered under your home or auto insurance policy, depending on the type of vehicle and how it’s used.

To qualify for coverage under your home insurance policy, your vehicle cannot be licensed for use on public roads. For example, golf carts, ATV’s, dirt bikes, and snowmobiles would qualify under home insurance.

Your RV will only be covered up to $500 under your home insurance policy, unless you purchase additional coverage. Basic coverage includes liability and medical coverage.

Vehicles that can be covered under a Country Financial auto insurance policy include motor homes and permanently mounted truck campers, snowmobiles, golf carts, ATV’s, travel trailers, camping trailers and truck campers.

Under an auto insurance policy, your RV will be covered against collision, comprehensive, uninsured motorists property damage, bodily injury and property damage liability, umbrella insurance, medical payments, personal injury protection, uninsured/underinsured motorist, roadside assistance, and glass coverage.

Country Financial’s renters insurance policy covers your belongings, cost of living somewhere else if your apartment is damaged, and your liability risks. Country also offers similar coverage for landlords.

Country gives you the option to choose actual cash value or replacement cost for your claim settlements.

Country Financial offers basic and premier coverage plans for apartment renters which includes coverage for:

  • Fire or lightning

  • Theft or vandalism

  • Wind or hail

  • Freezing of plumbing

  • Spoilage of refrigerated products

  • Power surge damage to appliances

  • Damage from spilled paint

  • Breakage of antiques

  • Liability

  • Medical costs

Additional home insurance coverages from Country Financial include:

  • Coverage for high value items including:

    • Jewelry, watches and furs

    • Silverware, goldware and pewterware

    • Money and other currency

    • Firearms

    • Watercraft

    • Recreational motor vehicles

  • Coverage for additional risks not included in a basic home insurance policy including:

    • Identify theft

    • Earthquake

    • Sump pump failure and/or backup of sewer or drain

Different from most insurance companies, Country Financial allows renters to add special tenants coverage to a Country Financial auto insurance policy instead of buying a separate renters policy.

The coverage under this special policy is similar to renters insurance and includes $20,000 in coverage and a $250 deductible.

Country Financial provides coverage for your mobile home, your personal belongings within, additional living expenses if your mobile home is unlivable after damage, and liability risks.

Additional coverage for other structures, like porches and sheds, and equipment can be purchased separately.

 

Available coverages and discounts may vary by state, but will most likely include:

  • Fire or lightning

  • Theft or vandalism

  • Wind or hail

  • Damage from frozen plumbing

  • Spoilage of refrigerated products due to power outage

  • Coverage for high value items including:

    • Money and other forms of currency

    • Boats and boating equipment

    • Jewelry, watches and furs

    • Guns

  • Liability

  • Medical costs

Country Financial offers affordable health insurance for you and your family. Country offers supplement insurance for Medicare.

Medicare may not fully cover: hospitalization, medical expenses, skilled nursing facility care, hospice care, home health care, blood transfusions, and emergency care during foreign travel.

Medicare Supplement with Country Financial includes features like:

  • Select your doctors, specialists, and hospitals

  • Guaranteed renewable for life

  • Five plan options with varying coverage amounts

  • No waiting period for pre-existing conditions

  • Guaranteed coverage during open enrollment

  • Competitive premiums

Country Financial also offers Long Term Care Coverage as part of their health insurance line.

Long term care is often not covered under Medicare or health insurance, but it offers a variety of crucial services for daily life activities including bathing, dressing, eating, etc.

Country Financial’s long term care policy provides coverage for nursing home costs, assisted living costs, and home and community care costs.

Long Term Care coverage from Country Financial is completely customizable and can include:

  • Daily Benefit: Select your own daily limit for care from $50 to $500 in $10 increments

  • Elimination Period: Choose the initial days you’ll be responsible for paying for your care before your insurance coverage begins

  • Lifetime Benefit Maximum: Choose the maximum amount of years (2, 3, 4, 5, 6, or 8 years) the policy will pay for your care

  • Shared Care Benefit: Allows you to use the benefits from your spouse's policy if you've used all of your own

  • Monthly Care: Change the daily benefit maximum to a monthly benefit maximum

  • Restoration of Benefits: Allows your benefit period to restore to the original benefit maximum if you fully recover from an illness

  • Nonforfeiture Benefit: Provides a reduced paid-up policy if your policy lapses or cancels after 3 years

  • Simple Inflation: Your Daily Maximum Benefit and Lifetime Benefit Maximum will increase by 5% each year

  • Compound Inflation: Increases your Daily Benefit Maximum and remaining Lifetime Benefit Maximum each year by 3-5%

Future Purchase: Increase your policy’s daily benefit amount and lifetime benefit by 15% every 3 years

Country Financial offers a variety of business insurance products including business owners, commercial insurance, business lifecycle, winery, business auto, worker’s compensation, and more.

Country Financial also offers specific business packages for things like beauty salons, florists, photographers, restaurants, and more.

Available coverages may vary by state, but will most likely include:

  • Business Owners: Provides protection for your buildings, business personal property, liability risks, and specific business risks. Coverages include:

    • Buildings including exterior glass, maintenance equipment, outdoor fixtures, and landlord’s furniture.

    • Business personal property including business personal property you own, personal property of others while in your possession and computer hardware

  • Loss of income

  • Equipment breakdown

  • Employee dishonesty

  • Outdoor signs

  • Money and securities

  • Electronic data

  • Accounts receivable

  • Building ordinance

  • Forgery and alteration

  • Liability

  • Medical costs

Country Financial offers a variety of farmers insurance so you can get the coverage that’s right for you and your property.

Available coverages may vary by state, but will most likely include:

  • Livestock

  • Country Estate

  • Farm and Ranch

  • Crop Hail

  • Federal Crop

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Company History

Country Financial Mutual Insurance Company was founded in 1925 in Illinois and provides auto, home, and business insurance. 

Country Financial provides quality insurance for more than 1.4 million cars and 700,000 homes in 19 states across the U.S. including Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin. 

Country Financial has over 5,000 employees and representatives to provide their customers with a variety of affordable insurance products and great customer service. 

 

Country Financial Reviews

3.1
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Most Positive Review
By Teira
October 24, 2017

I've always had no trouble with them

Most Critical Review
By Insurify User
March 9, 2016

I am very dissatisfied with my country financial home owners ins . I had a claim on my floors and was told that it was not covered on my policy. I think that when you take out ins. the ins company should explain things to you better .you pay almost 800.00 a year to be told it was not covered and that it was neglect if your not having a problem till you fall through the floor then how do you know you have a problem .to top it off the people you have to deal with are real a--- .they act like it there money and you should not be using it .